Job Summary: Responsible for the entire credit cycle, including risk management, policies, deliberation, indicator monitoring, and credit recovery. Key Highlights: 1. Comprehensive credit cycle management 2. Credit risk assessment and monitoring 3. Proposal of changes to credit policies Responsible for the entire process encompassed by the Credit Cycle: credit risk management, specialized credit policies tailored to the cooperative, staff qualification, credit approval via individual authority or collegiate decision-making, monitoring of credit risk management indicators, credit recovery, and efficiency of processes related to these topics. **Responsibilities and Duties** * Evaluate credit applications, issuing opinions regarding their risk-level classification, projected repayment capacity, formal requirements, applicable interest rates, terms, and collateral, in order to support decisions on credit approval or rejection; * Identify and monitor early signs of increased or decreased risk across portfolio products and business segments, alerting credit committees and business areas; * Stay updated on procedures and legislation related to technical risk analysis and formal requirements of operations, in order to provide support to branches; * Conduct balance sheet analyses for corporate credit operations, to assess the accounting and economic-financial condition of the credit applicant; * Stay updated on credit policies and propose operational changes to such policies; * Understand technical concepts and ensure the use of statistical models in credit cycle management processes. **Requirements and Qualifications** * Completed (or currently pursuing) a Bachelor’s degree in Business Administration, Economics, or related fields. * A postgraduate degree (currently pursuing) is a plus; * Knowledge of credit-related legislation and operational functionality; * **Knowledge of corporate credit products**; * Experience: Preparing credit dossiers for credit approval; * Intermediate proficiency in Excel and PowerPoint. **Additional Information** Knowledge of credit-related legislation and operational functionality. * Balance sheet analysis; * Credit policies; * Business acumen; * Proactive and committed; * Analytical mindset. **We Offer Our Employees:** * Market-competitive salary; * Private pension plan; * Meal allowance / food voucher; * Health insurance; * Dental insurance; * Childcare allowance; * Special child allowance; * You in Motion program; * Education assistance; * Profit-sharing program (PPR); * Life insurance; **Nice to meet you — we are Sicredi.** Our journey began over 120 years ago as Brazil’s first cooperative financial institution. Today, we continue growing and transforming daily alongside **more than 50,000 employees**. They are the reason we have once again been named the **Best Place to Work**, ranking first according to Great Place To Work Brazil (GPTW). Together with **over 9 million members**, across all Brazilian states, we believe in the power of cooperation to **build a more prosperous society and generate positive impact in people’s lives** — a purpose that unites and inspires us, promoting local and sustainable development, education, and financial inclusion. We continue seeking talents eager to help build a better world — and we want you on board. **\#JoinSicredi!**
João Silva
Indeed · HR
João Silva
Indeed · HR
